Are You Afraid Of the Grass Being Greener On The Other Side?

November 20, 2008

“But what if mortgage rates drop next month…”, “I’d hate to pay too much for a home”, “I want to buy at the absolute bottom of the market…not a penny more!” “What if I buy now and then price go down again – I’ll be upside down within a few months!”

It’s human nature to want the best deal – the nicest house for your money – the lowest possible interest rate. But while caution may be good in choosing which stocks have good investment potential, many people lose sight of the fact that the primary reason for buying a home is to provide shelter for you and your family. Yes, I know that many have speculated in real estate over the last few years and cashed in on the escalating home prices. But those days are not these days.

Today your main motivation should be to find the best fit for your budget and your family. Does it really matter whether you pay 5% or 4% for a mortgage if you find a home that fits nicely into your conservative financial plan? Isn’t it more important to have a space for your daughter to practice the piano away from the noisy den than to have a cheap house with a floor plan that’s all wrong? Or wouldn’t you enjoy a beautiful shade tree in the back yard where you can hang a hammock more than a great deal on a home right next to a busy road?

Yes, there will be buyers who will buy at the lowest prices of the century and get a low mortgage too. But will they have the luxury of picking out a home that fits their needs, that nurtures their soul? Will they find a home that makes them go “Aaaaaah!” at the end of the day as they walk through the front door? Or will they merely use the space as a functional place to lay their head.

If you look to what makes a house a home, you’ll find that the grass is just as green, if not greener in a home chosen for love rather than money!

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Local Information for Cedar City, UT

Latitude: 37.682606 -- Longitude: -113.074402

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Cedar City is a city located in Iron County, Utah, 250 miles South of Salt Lake City on Interstate 15. It is the home of Southern Utah University and the Utah Shakespearean Festival, among other festivals. As of the 2000 census, the city had a total population of 20,527, and by 2004 was estimated at 22,224. The city has shared in the rapid growth of much of Southwestern Utah since the late 1980s. Brigham Young is said to have helped design the layout of the town. The median income for a household in the city is $32,403, and the median income for a family is $37,509. Males have a median income of $31,192 versus $19,601 for females. The per capita income for the city is $14,057. 22.1% of the population and 14.5% of families are below the poverty line. Out of the total population, 20.2% of those under the age of 18 and 4.2% of those 65 and older are living below the poverty line. -- Source: Wikipedia.com

Utah 2000 Census Population Profile Map

	Cedar City	Utah	United States
Population	20,527	2,233,169	281,421,906
Median age	23.3	27.1	35.3
Median age for Male	23.7	26.7	34
Median age for Female	22.7	27.7	36.5
Households	6,486	701,281	105,480,101
Household population	19,911	2,192,689	273,643,273
Average household size	3.07	3.13	2.59
Families	4,683	535,294	71,787,347
Average family size	3.37	3.57	3.14
Housing units	7,109	768,594	115,904,641
Occupied units	6,486	701,281	105,480,101
Vacant units	623	67,313	10,424,540

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